The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE US AGGBD ET 464287226 26,080 230,449 SH   SOLE   230,449 0 0
ISHARES TR CORE S&P SCP ETF 464287804 13,428 172,508 SH   SOLE   172,508 0 0
ISHARES TR MRNGSTR LG-CP VL 464288109 35,007 316,931 SH   SOLE   316,931 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 16,867 85,286 SH   SOLE   85,286 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 13,936 57,251 SH   SOLE   57,251 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 18,114 112,516 SH   SOLE   112,516 0 0
ISHARES TR MRGSTR SM CP GR 464288604 4,777 24,540 SH   SOLE   24,540 0 0
ISHARES TR MRNING SM CP ETF 464288703 6,943 51,918 SH   SOLE   51,918 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 103 6,449 SH   SOLE   6,449 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 1,044 20,703 SH   SOLE   20,703 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 6,107 43,973 SH   SOLE   43,973 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 31,234 440,343 SH   SOLE   440,343 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,058 101,217 SH   SOLE   101,217 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 64,605 2,027,779 SH   SOLE   2,027,779 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,834 275,465 SH   SOLE   275,465 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 52,684 1,116,896 SH   SOLE   1,116,896 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,440 148,703 SH   SOLE   148,703 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 68 1,167 SH   SOLE   1,167 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 61 1,028 SH   SOLE   1,028 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 103 3,863 SH   SOLE   3,863 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 17,388 215,230 SH   SOLE   215,230 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,505 839,951 SH   SOLE   839,951 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 5,486 93,244 SH   SOLE   93,244 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 47,012 1,167,703 SH   SOLE   1,167,703 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 296 2,058 SH   SOLE   2,058 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 23,695 86,923 SH   SOLE   86,923 0 0